Australian Tax Calculator (FY 2025–2026)
Calculate your income tax, Medicare levy, and surcharge. Includes the legislated 12% Superannuation Guarantee and the updated 2025–26 Marginal HELP repayment system.
Income Details
Medicare & Family
Used to index the MLS family threshold.
$63,855
Annual Take Home
$16,502
Total Tax Paid
$9,643
Superannuation
Tax Breakdown
Pay Cycle Breakdown
| Frequency | Gross | Tax & Deductions | Net Pay |
|---|---|---|---|
| Weekly | $1,545 | - $317 | $1,228 |
| Fortnightly | $3,091 | - $635 | $2,456 |
| Monthly | $6,696 | - $1,375 | $5,321 |
| Annually | $80,357 | - $16,502 | $63,855 |
Weekly
$1,228Gross
$1,545
Tax
- $317
Fortnightly
$2,456Gross
$3,091
Tax
- $635
Monthly
$5,321Gross
$6,696
Tax
- $1,375
Annually
$63,855Gross
$80,357
Tax
- $16,502
Calculation Methodology
This calculator integrates official ATO PAYG formulas strictly validated against 2025–26 regulations.
- Income Tax: Enforces Stage 3 tax cuts (Treasury Laws Amendment 2024).
- Superannuation: Legislated 12% Super Guarantee applied.
- HELP/STSL: Executes the new marginal repayment system (threshold starting at $67,000).
- MLS: Updated with 2025-26 indexed thresholds ($101k Single / $202k Family).
Disclaimer: Estimates are strictly for scenario planning. Actual liability depends on individual circumstances.
Australian income tax brackets for 2025–26
The table below shows the official ATO marginal tax rates for Australian residents in the 2025–26 financial year, incorporating the Stage 3 tax cuts that took effect on 1 July 2024.
Taxable Income
$0 – $18,200
Tax on this income
Nil
Taxable Income
$18,201 – $45,000
Tax on this income
16c for each $1 over $18,200
Taxable Income
$45,001 – $135,000
Tax on this income
$4,288 + 30c for each $1 over $45,000
Taxable Income
$135,001 – $190,000
Tax on this income
$31,288 + 37c for each $1 over $135,000
Taxable Income
$190,001 – and over
Tax on this income
$51,638 + 45c for each $1 over $190,000
| Taxable Income | Tax on this income | Marginal Rate |
|---|---|---|
| $0 – $18,200 | Nil | 0% |
| $18,201 – $45,000 | 16c for each $1 over $18,200 | 16% |
| $45,001 – $135,000 | $4,288 + 30c for each $1 over $45,000 | 30% |
| $135,001 – $190,000 | $31,288 + 37c for each $1 over $135,000 | 37% |
| $190,001 – and over | $51,638 + 45c for each $1 over $190,000 | 45% |
Source: ATO. These rates apply to Australian resident individuals only and exclude the Medicare Levy of 2%.
Marginal rate — visualised
Bar widths are proportional to the marginal rate. Maximum marginal rate is 45%.
$18,200
Tax-Free Threshold
12.0%
Super Guarantee
2%
Medicare Levy
45%
Top Marginal Rate
How Stage 3 tax cuts changed your effective rate
Effective income tax rates at common salary levels — before and after the Stage 3 reforms that took effect on 1 July 2024.
Estimates based on ATO marginal tax rates for the respective financial years. Excludes Medicare Levy and the Low Income Tax Offset (LITO). Individual circumstances vary — consult a registered tax agent for precise figures.
How is Australian income tax calculated?
Australia uses a progressive (marginal) tax system — each bracket of income is taxed at progressively higher rates. This calculator helps you estimate your weekly, fortnightly, and monthly take-home pay by applying these official ATO rates to your annual salary.
On top of income tax, most Australian residents also pay a Medicare Levy of 2%. High-income earners without private hospital cover may also pay the Medicare Levy Surcharge (1%–1.5%). If you have a HELP or STSL student debt, compulsory repayments are calculated based on your repayment income.
The Low Income Tax Offset (LITO) reduces the amount of tax payable for individuals earning below $66,667, providing up to $700 in offset.
Income Tax
Calculated on taxable income using ATO progressive brackets. Reduced by the Low Income Tax Offset (LITO) for earnings below $66,667.
Medicare Levy
2% of taxable income for most Australian residents. Reduced or waived for low-income earners below the Medicare Levy threshold.
Medicare Levy Surcharge
Additional 1%–1.5% for singles earning $101,000+ without approved private hospital insurance. Eliminated by purchasing suitable cover.
HELP / STSL Repayment
Mandatory marginal repayments on student debt starting at $67,000 for the 2025–26 financial year.
Superannuation
Employer contributions at 12.0% (2025–26) paid on top of your salary, or deducted from a package-inclusive salary arrangement.
Understanding your tax & pay
Australian tax can be complex. Whether you're estimating your weekly take-home pay, managing a second job, or planning for a tax refund, understanding the basics can help you avoid surprises at tax time.
Weekly vs. Annual Tax
Your employer withholds tax each pay cycle (weekly, fortnightly, or monthly) based on the assumption that you will earn that same amount every pay period for the entire year. If your income fluctuates (e.g., overtime, bonuses, or unpaid leave), the total tax withheld might differ from your actual annual liability, potentially leading to a tax refund or a tax bill.
The "Second Job" Tax Trap
Australia has a tax-free threshold of $18,200, which you can usually only claim from one employer at a time. If you work a second job, you should not claim the threshold for that income. Your second employer will withhold tax at a higher rate (usually starting at the lowest marginal rate) to ensure you've paid enough tax across both incomes by year-end.
Estimating Your Tax Refund
A tax refund occurs when the tax withheld from your pay during the year is higher than your actual tax liability. This often happens if you have work-related deductions (like uniform, tools, or home office expenses) that reduce your taxable income. Use this calculator to see your base liability, then discuss potential deductions with a tax agent.
Student Loan (HELP) Repayments
Compulsory repayments for HELP, VSL, and STSL debts are calculated on your Repayment Income, which includes your taxable income plus any net investment loss, reportable fringe benefits, and reportable super contributions. Repayments start once you earn above the threshold ($54,435 for 2024–25; $67,000 for 2025–26).
Common tax calculator questions
What are the 2025–26 income tax brackets in Australia?
For Australian residents in 2025–26: $0–$18,200 (0%), $18,201–$45,000 (16%), $45,001–$135,000 (30%), $135,001–$190,000 (37%), $190,001+ (45%). These rates were introduced by the Stage 3 tax cuts effective 1 July 2024.
How is the Medicare Levy calculated?
The Medicare Levy is 2% of your taxable income. Low-income earners may receive a reduction or full exemption — singles earning below $27,222 pay no levy; the full 2% applies above $34,027. Family thresholds are higher and increase per dependent child.
What is the Medicare Levy Surcharge (MLS)?
The MLS is an additional tax (1%–1.5%) for Australian residents earning above $101,000 (singles) or $202,000 (families) in the 2025–26 financial year who do not hold an approved private hospital insurance policy. Purchasing private cover eliminates this surcharge.
How are HELP / STSL debts repaid in 2025–26?
For 2025–26, HELP repayments use a marginal system. You pay nothing on income up to $67,000. You then pay 15% on the portion of income between $67,000 and $125,000, and 17% on the portion between $125,000 and $179,285. If your income exceeds $179,285, the rate reverts to a flat 10% of your total repayment income.
What is the Superannuation Guarantee rate for 2025–26?
The legislated Superannuation Guarantee (SG) rate is 12.0% for 2025–26, up from 11.5% in 2024–25. Employers must pay super on top of your base salary unless you are paid on a package-inclusive ('super included') basis.
How do foreign resident tax rates differ?
Foreign residents pay tax from dollar one with no tax-free threshold. The 2025–26 foreign resident rates are: 0–$135,000 (30%), $135,001–$190,000 (37%), $190,001+ (45%). Foreign residents are also not liable for the Medicare Levy.
Can I use this as a weekly or fortnightly pay calculator?
Yes. While the calculator processes annual figures, it breaks down your results into weekly, fortnightly, and monthly pay cycles. This helps you budget your take-home pay and understand your withholding obligations for each pay period.
How is tax calculated on a second job?
If you have a second job, you generally cannot claim the tax-free threshold on that income. This means your second employer will withhold tax at a higher rate (usually starting at the first marginal rate) to prevent you from having a tax bill at the end of the year. Use this calculator to estimate your total tax liability by combining both incomes.
Is this calculator accurate for my tax return?
This calculator uses official ATO PAYG withholding formulas and produces estimates for scenario planning. It does not account for investment income, rental deductions, franking credits, salary packaging, or other specific individual circumstances. For a precise assessment, consult a Numberz tax agent.
Ready to professionalize your
financial operations?
Join the Australian businesses moving beyond basic bookkeeping to strategic financial management. Experience the difference of a true finance partner.
“Numberz transformed how we view our financial data. It's like having a CFO in our pocket.”